Bay Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
Compare Bay Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Bay Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Bay Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Bay Federal Credit Union? Share your experience about Bay Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Bay Federal Credit Union. Overall, Bay Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Rate
APY/APR
vs Avg
Bay Federal Credit Union
Corporate Office 3333 Clares St
Capitola, CA 95010 2546  Compare Bay Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates
Gesa Credit Union
SmartPlus Savings
5.00%
$0
Citizens Bank & Trust Company KY
36-Month CD
4.35%
$500
Institution for Savings
12-Month CD
4.30%
$500
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Compare Bay Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages
Americas First Federal Credit Union
15-Year Fixed
5.560%
5.250%
0.000
State Employees Credit Union
10-Year Fixed
5.300%
5.518%
0.000
American Bank, N.A. Le Mars, IA
10-Year Fixed
5.500%
5.677%
0.500
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The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Compare Bay Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards
Achieva Credit Union
Achieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
The Golden 1 Credit Union
Member First VISA
15.040%
No balance transfer fees or annual fees.
America First Federal Credit Union
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Compare Bay Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans
Advantage Credit Union Newtown, IA
Personal Loans
14.200%
$5,000 - $8,000
48 - 48
The Golden 1 Credit Union
Credit Starter Loan
16.250%
$0
BECU Boeing Employees Credit Union
Personal Lines of Credit
11.900% - 19.400%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Bay Federal Credit Union rate data right now, check back for updates, we are adding rates all the time. Bay Federal Credit Union InformationCredit Union Name: Bay Federal Credit Union
Website: https://www.bayfed.com
Full Time Employees: 245Part Time Employees: 4 President: Taylor Bateman CEO: Carrie Birkhofer Branch Locations: 7 ATM Locations: 7 Corporate Office Address:
3333 Clares St
Capitola, CA 95010 2546 Phone Number: 831-479-6000 Fax Number: 831-479-6095 Bay Federal Credit Union FinancialsTotal Assets:
1,608,979,147
Total Amount of Shares and Deposits:
1,460,578,273
Total Shares and Deposits < 1 Year:
1,407,518,023
Total Shares and Deposits 1 3 Years:
29,279,119
Total Shares and Deposits > 3 Years:
23,781,131
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
93,149,697
Total Uninsured Shares and Deposits > $250K (F+J):
93,149,697
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,367,428,576
Total Interest Expense (Sum of items 6 8):
3,747,055
Share Certificates:
6,027
Number of Accounts for Share Drafts:
55,405
IRA KEOGH Accounts:
2,670
Number of Accounts for Regular Shares:
128,598
All other shares:
16
Money Market Shares:
7,157
Net Income (unless the amount is already included in Undivided Earnings):
2,492,875
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
136,646,710
Total Liabilities:
1,483,080,636
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Bay Federal Credit Union Questions and AnswersNo Cost Share Drafts:
No
Share Certificates with Low Minimum Balance Requirements:
No
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
Bilingual Services:
1
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Certificates of Deposits:
1
payment:
Yes
Are low cost wire transfers available?:
No
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
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Source: NCUA Last Updated 03/31/2024
Explore Other Rate DealsThe Japanese economy was expected to grow 2.1 percent but actually contracted 1.6 percent. News that the Japanese economy fell into a recession will send bond yields lower, which in turn will send mortgage rates in the U.S. lower. Slowing economic growth in Asia and Europe will keep downward pressure on interest rates in the United States in the coming months. Average mortgage rates are higher this week but will move lower in the coming weeks due to lower bond yields.
A slew of positive housing reports released in 2012 coupled with positive news about the economy is sending bond yields higher. As a result, mortgage rates have moved higher as well. In this week's Primary Mortgage Market Survey released by Freddie Mac, average 30 year conforming mortgage rates are at the highest point since September of 2012.
 Finding affordable health insurance is a challenge these days since the cost of medical care is going up by leaps and bounds. Another challenge is paying for health insurance if you're unempolyeed or have recently lost your job.
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12-month CD rates can be found at 3.35%, 6-month CD rates at 4.25% and 3-month CD rates at 0.05%. Savings rates are at 0.40% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.79%. Credit Card rates are at 9.99%. Personal Loan rates are at 9.99%. All these rates, and more, can be found in our database of rates which you can compare to 
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